Ok, let me clarify a few things.
A.) Yeah, I go bee-booping up to her house with my girlfriend. She's my girlfriend who will typically be with me. I think it would be much weirder to be like "Sorry, I need to hide you in front of my ex..."
B.) My Ex has never lived with a guy, she was by herself, then lived with her female cousin for a bit, and is now by herself again.
C.) When she threw the 0-3 girls in my face, my defense was "Yes, I've dated 3 girls, 2 of which I thought there might be a chance with. Neither of them lived with me, and the kids only saw 2 of them on one occasion (their daughters birthday parties in both cases actually), and the third they saw a lot, because things were going well. It didn't work out, I thought it was, but it was a clean break. " she responded that she had never introduced the kids to a guy she's dated, and didn't want them getting used to a revolving door or woman in and out of their lives. I responded that I don't think that's been an issue, and I don't think it will be an issue, I really feel like I've got a lasting shot with this girl. She said that she just doesn't want my selfish mistakes to hurt the kids. I ignored it and we kept talking. Towards the end of the conversation she said it again, and I said "Look, we've been divorced a year and a half, yes, I've made mistakes and bad judgement calls, but I don't think I've hurt the kids. They are in a loving and supportive family, I think they are fine. You've also made some bad judgement calls and mistakes over the last year, but I'm not throwing that in your face. We've both made mistakes, we both do our best, the kids are fine." To which she replied that her mistakes have never had a chance of hurting the kids. To which I replied "You're telling me if one of the wives of the husbands you were sleeping with who found out, as several of them did, ran into you at the store with the kids, or showed up at your house you don't think that would have a chance of hurting them? I would argue that you put them in a lot more possible danger than me breaking up with a girl did. All I'm saying is we both made mistakes, it's going to happen." And she was like "Well.. yeah..."
D.) In the divorce paperwork it said that she would get possession of the car, and I would assume any and all debt, but also get possession of the house. I then looked into refinancing- I would need an inspection and appraisal for my house. I converted my garage to a game room, which could potentially cause all kinds of problems, the reality lady I went to when I was first looking at getting it refinanced said that if everything goes well, I'm probably looking at about $3,500 to refinance, but if the appraiser doesn't sign off and I have to file for a city inspector to get permits and pay fines I'm probably looking at $8,000+. On top of that, with my current mortgage I do not pay any mortgage insurance, because its a type of government loan. With the refinance I would need to use a regular loan, pay mortgage insurance, and it would add around $100 to my monthly payment. So yeah, none of that sounded great, and so I just haven't done it.
E.) My credit score is 816, so no problem there. See, told you I'm responsible!
F.) The credit card was a joint Chase account. We both have to go into a bank together to cancel it, and to her its not worth her time. It's super annoying. It hasn't been used in over a year however.
G.) Yeah, I feel like she could be a decent civil person to my girlfriend. We're adults who get along and don't have romantic feelings for each other, so why not?
Did I cover everything?